, the idea came not even from paul ryan or senator wide on who is the coauthor of the bill with paul ryan in the senate but it came from bill clinton's chief of staff. this is an idea that's been around a long time which is saying hey let's see if we can't get competition into the medicare world so that people can get the choice of different plans at lower cost, better quality. i believe in competition. >> jim if i can just respond very quickly. first of all every study has shown that medicare has lower administrative cost than private insurance does, which is why seniors are generally pretty happy with it. and private insurers have to make a profit. nothing wrong with that. that's what they do. and so you've got higher administrative costs plus profit on top of that and if you are going to save any money through what governor romney's proposing, what has to happen is that the money has to come from somewhere. and when you move to a voucher system, you are putting seniors at the mercy of those insurance companies and over time if traditional medicare has decayed or fallen apart then they'